Flanagan, IL
Flanagan wildfire risk explained
USFS scores Flanagan at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 681 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Flanagan at the 1st percentile, close to its 1st-percentile risk score.
Flanagan's building exposure, zone by zone
USFS classifies 96% of Flanagan's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Flanagan against the rest of the country
Flanagan scores 1st nationally and 6th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Flanagan ranks 31,323 for wildfire risk (1 is highest) and 14,845 by building count (1 is largest). Within Illinois alone, it ranks 1,353 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Flanagan and the insurance market
Flanagan's low wildfire rating (1st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 96% of Flanagan outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Flanagan's figures come from
Flanagan's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Flanagan's dominant minimal exposure actually means, with real examples from across the dataset.